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Journal articles on the topic 'Credit diversification'

Author: Grafiati
Published: 28 May 2022
Last updated: 30 July 2025

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1

Orlova, E. V. "Mechanism and model of credit portfolio diversification." Issues of Risk Analysis 17, no. 1 (2020): 78–89. http://dx.doi.org/10.32686/1812-5220-2020-17-1-78-89.

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Under conditions of demand for credit resources growing in Russian economy the importance of credit risks assessment and their influence on the credit organizations efficiency is increased. Empirical studies show that credit risks in the banking today are increasing nonlinearly relative to the main characteristics of the credit — the level of credit risk, credit terms, interest rate. Therefore, the formation of the most acceptable from the point of view of risk reducing of the bank’s credit portfolio is a scientifically based and practically important problem. The aim of the work is to justify
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Prastiwi, Iin Emy, and Anik Anik. "The Impact of Credit Diversification on Credit Risk and Performance of Indonesian Banks." Global Review of Islamic Economics and Business 8, no. 1 (2020): 013. http://dx.doi.org/10.14421/grieb.2020.081-02.

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This study aims to identify the effect of credit diversification in the economic sector on credit risk and performance of commercial banks in Indonesia. Multiple linear regression is used to determine the effect of credit diversification on credit risk and banking performance. The data used in this study is the aggregated financial statements of commercial banks inIndonesia during the 2015-2018. The results indicate that credit diversification based on the economic sector has a significant effect on increasing the profitability of commercial banks in Indonesia. The credit diversification based
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Dynkin, Lev, Jay Hyman, and Vadim Konstantinovsky. "Sufficient Diversification in Credit Portfolios." Journal of Portfolio Management 29, no. 1 (2002): 89–114. http://dx.doi.org/10.3905/jpm.2002.319867.

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4

Sullivan, Christopher J. "Sufficient Diversification in Credit Portfolios." CFA Digest 33, no. 2 (2003): 76–78. http://dx.doi.org/10.2469/dig.v33.n2.1285.

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5

Kholidah, Himmatul, Maulidiyah Maulidiyah, Hanifiyah Yuliatul Hijriah, and Aqilah Nadiah Md. Sahiq. "STRATEGI DIVERSIFIKASI PORTOFOLIO: ANALISIS DAMPAK RISIKO DAN KEUNTUNGAN PADA BANK KONVENSIONAL DAN SYARIAH MILIK NEGARA DI INDONESIA." e-Journal Ekonomi Bisnis dan Akuntansi 11, no. 2 (2024): 62. http://dx.doi.org/10.19184/ejeba.v11i2.52146.

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This research examines the relationship between credit portfolio diversification and the risk and return of state-owned banks (Bank BUMN) from 2019 to 2023. Using multiple linear regression analysis, it evaluates the impact of the Herfindahl Hirschman Index (HHI) on credit or financing risk (NPL and NPF) and bank returns (ROA, ROE) among state-owned banks listed on the Indonesia Stock Exchange. Control variables include bank size, loan or financing to deposit ratio (LDR and FDR), and equity to total asset ratio (ETA). The results show that credit portfolio diversification reduces credit risk i
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Setiawan, Rahmat, Octavia Reniar Putri, and Aulia Claraning Sukmawati. "Diversifikasi Portofolio Kredit, Risiko dan Return Bank." Jurnal Akuntansi 15, no. 1 (2023): 189–99. http://dx.doi.org/10.28932/jam.v15i1.6376.

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Banks as financial intermediaries, can diversify their credit portfolios into different sectors. This study aims to determine the effect of credit portfolio diversification on risks borne and returns earned by banks. The sample in this study was 61 conventional commercial banks in Indonesia for the 2012-2014 period with a total of 112 observations. The results show that credit portfolio diversification has a significant negative effect on bank risk and return. In other words, a more diversified credit portfolio can reduce bank risk and return. Keywords: diversification, loan portfolio, bank’s
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Mwau Mulwa, Jonathan. "Moderating effect of Firm Characteristics in the Financing Diversification – Performance nexus among Credit Unions in Kakamega County, Kenya." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 11, no. 5 (2016): 2988–93. http://dx.doi.org/10.24297/ijmit.v11i5.4698.

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The last two decades has seen a lot of creativity and diversity in the funding strategies pursued by credit unions as a result of financial sector liberalization and competitive pressure in the financial system. Research has shown that this diversification is both beneficial and hurting at the same time. However, firm characteristics have not mostly been factored in the diversification – performance analysis though studies in other sectors underline their importance. This therefore prompted this study to analyze the moderation effect that firm characteristics – specifically age, size, memb
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Wijaya, Shirley, and Kristi Indriyani. "THE MEDIATING ROLE OF NON-PERFORMING LOANS ON THE RELATIONSHIP BETWEEN INCOME DIVERSIFICATION AND BANK PERFORMANCE EVIDENCE FROM INDONESIA." Jurnal Maneksi 14, no. 2 (2025): 547–58. https://doi.org/10.31959/jm.v14i2.2998.

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Introduction: Income diversification and profitability are widely seen as strategies to reduce credit risk in banking. However, their effectiveness in improving asset quality remains debated, especially in emerging markets like Indonesia. This study focuses on how income diversification influences bank performance, with non-performing loans (NPLs) acting as a mediating variable Methods: Using quantitative method with panel data from 79 Indonesian banks listed on the OJK between 2018 and 2024. Data were obtained from audited financial reports and analyzed using fixed effect panel regression and
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9

Hanson, Samuel G., M. Hashem Pesaran, and Til Schuermann. "Firm heterogeneity and credit risk diversification." Journal of Empirical Finance 15, no. 4 (2008): 583–612. http://dx.doi.org/10.1016/j.jempfin.2007.11.002.

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10

Ibekwe, Ibeawuchi. "Attitude of bank credit managers and analysts towards firm diversification in Mozambique." Qualitative Research in Financial Markets 9, no. 3 (2017): 182–204. http://dx.doi.org/10.1108/qrfm-08-2016-0023.

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PurposeThe purpose of this paper is to survey bank credit managers and analysts in Mozambique regarding their attitude toward firm diversification. Design/methodology/approachForty-five credit managers and analysts from 23 banks in Mozambique were surveyed about their views on diversification and diversified firms. Questionnaires were used. Data were analyzed using chi-square test and binomial test. FindingsCredit analysts and managers in Mozambique have a generally positive attitude toward diversification. This is mainly due to the coinsurance effects and stability of cash flows that diversif
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Aris, Abdul Shaheer, and Ekramuddin Rahimi. "The Impact of Loan Portfolio Management on Credit Risk: Evidence from Banking Sector of Afghanistan." Journal of Economics, Finance and Accounting Studies 5, no. 5 (2023): 12–22. http://dx.doi.org/10.32996/jefas.2023.5.5.2.

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This article empirically examined the effects of loan portfolio diversification on commercial banks' credit risk in Afghanistan from 2007 to 2019. In this paper, the annualized data is used to run the regression model, and the least-squares method was followed; meanwhile, the Hirschman-Herfindahl index is used as a diversification index. Eventually, the estimation results in compliance with the traditional theory of portfolio management represent that loan portfolio diversification has a negative-significant impact on credit risk, while the capital adequacy ratio coefficient according to the m
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Said, Radwa Radwan. "A Quantitative Assessment of the Role of the Private Sector in Economic Diversification in UAE." Research in Applied Economics 11, no. 4 (2019): 23. http://dx.doi.org/10.5296/rae.v11i4.16119.

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The United Arab Emirates (UAE) has often been addressed as a success case in the GCC region due to its implemented policies that spurred growth and development with a market-friendly approach. This study aims to investigate the relationship between economic diversification and private sector development. For this, we employed an ARDL con-integration method to check the long run as well as short run relationship between variables. We found that the domestic credit to private sector has a positive relationship with diversification index. Also, domestic credit to private sector (DCPS) percentage
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13

Gniza, Daniel Innocent, and Rodolphe Loa Bi Loa. "Socioeconomic Determinants of Decisions and Degree of Crop Diversification Among Smallholder Rice Producers in Côte d’Ivoire." American Journal of Multidisciplinary Research and Innovation 2, no. 1 (2023): 65–73. http://dx.doi.org/10.54536/ajmri.v2i1.1200.

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Crop diversification is a strategy used by producers to address their household food insecurity. This study analyzes the factors that influence households’ decision to participate in crop diversification on their plot and the determinants of the level of diversification based on survey data obtained through stratified sampling in the Tonkpi, Poro and Tchologo regions in 2020. The Herfindahl index was used to classify producers according to their degree of crop diversification. Applying the Cragg hurdle regression, the study shows that the decision to diversify crops is positively associated wi
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Gniza, Daniel Innocent, and Rodolphe Loa Bi Loa. "Socioeconomic Determinants of Decisions and Degree of Crop Diversification Among Smallholder Rice Producers in Côte d'Ivoire." American Journal of Multidisciplinary Research and Innovation 2, no. 1 (2023): 63–73. https://doi.org/10.54536/ajmri.v2i1.1200.

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Crop diversification is a strategy used by producers to address their household food insecurity. This study analyzes the factors that influence households’ decision to participate in crop diversification on their plot and the determinants of the level of diversification based on survey data obtained through stratified sampling in the Tonkpi, Poro and Tchologo regions in 2020. The Herfindahl index was used to classify producers according to their degree of crop diversification. Applying the Cragg hurdle regression, the study shows that the decision to diversify crops is positively associa
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15

Kenga, Dr Shukrani, and Dr Banafa Abdulkadir Ali. "Loan Diversification Strategies and Financial Performance of Deposit-Taking Savings and Credit Cooperative Societies in Mombasa County." International Journal of Economics, Business and Management Research 08, no. 11 (2024): 170–77. https://doi.org/10.51505/ijebmr.2024.81111.

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The objective of the study was to investigate the influence of Loan Diversification Strategies on the financial performance of Deposit-Taking Saving and Credit Cooperative Societies in Mombasa County. The study adopted the descriptive research design. The target population included 109 participants from six-Deposit-Taking Saving and Credit Cooperative Societies in Mombasa County. The stratified random sampling technique used resulted into having 86 units of analysis. The study used primary data which was collected using questionnaires. The gathered data was analysed using the Statistical Packa
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Dhungel, Bidur. "Impact of Credit Diversification on Credit Risk of Nepalese Commercial Banks." Nepalese Journal of Economics 8, no. 4 (2024): 215–31. https://doi.org/10.3126/nje.v8i4.79757.

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This study examines the impact of credit diversification on the credit risk of Nepalese commercial banks. Non-performing loan and net interest margin are the selected dependent variables. The selected independent variables are loan to deposit ratio, overdraft loan, term loan, deprived sector loan, real estate loan and staff loan. The study is based on secondary data of 13 commercial banks with 104 observations for the study period from 2015/16 to 2022/23. The data were collected from Banking and Financial Statistics published by Nepal Rastra Bank, reports published by Ministry of Finance and a
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17

Adzobu, Lydia Dzidzor, Elipkimi Komla Agbloyor, and Anthony Aboagye. "The effect of loan portfolio diversification on banks’ risks and return." Managerial Finance 43, no. 11 (2017): 1274–91. http://dx.doi.org/10.1108/mf-10-2016-0292.

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Purpose The purpose of this paper is to test whether diversification of credit portfolios across economic sectors leads to improved profitability and reduced credit risks for Ghanaian banks that have been characterized by high non-performing loans in recent times (IMF, 2011). Design/methodology/approach Static and dynamic estimations, namely Prais-Winsten, fixed and random effect estimators, feasible generalized least squares as well as the system generalized methods of moments are employed on the annual data of 30 Ghanaian banks that operated between 2007 and 2014 to determine the effect of l
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18

Cuong, Hoang Van, Hiep Ngoc Luu, Loan Quynh Thi Nguyen, and Vu Tuan Chu. "Income structure, diversification strategy and owners’ benefit in cooperative financial institutions." International Journal of Managerial Finance 16, no. 4 (2020): 481–500. http://dx.doi.org/10.1108/ijmf-11-2018-0346.

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PurposeThe purposes of this paper are twofold. First, it analyses the income structure in cooperative financial institutions and examines how traditional and non-traditional incomes are related. Second, it evaluates whether increasing diversification towards non-traditional incomes facilitates or hampers the benefits of financial cooperative owners.Design/methodology/approachData are collected from over 3,100 US credit unions over the period of 1994–2016. A number of modern econometric techniques are employed throughout the analysis, including the use of panel fixed effect, generalised method
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Fadli, Jul Aidil. "SHOULD BANK DIVERSIFY THEIR INCOME AND CREDIT? EVIDENCE FROM INDONESIA BANKING INDUSTRY." KINERJA 23, no. 1 (2019): 28–41. http://dx.doi.org/10.24002/kinerja.v23i1.2124.

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This study aims to examine the effect of income and credit diversification toward bank risk and performance. In this study, diversification was measured using Adjusted Herfindahl-Hirschman Index (AHHI). Bank risk is measured by the standard deviation of ROA, standard deviation of ROE, Z-Score, Nonperforming Loan and Beta. Meanwhile, bank performance is measured by Return on Assets, Return on Equity, risk adjusted ROA and risk adjusted ROE. The robustness test completes this study by dividing the sample into low and high diversified bank. By using panel data of 53 listed and non listed Indonesi
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Esho, Neil, Paul Kofman, and Ian G. Sharpe. "Diversification, Fee Income, and Credit Union Risk." Journal of Financial Services Research 27, no. 3 (2005): 259–81. http://dx.doi.org/10.1007/s10693-005-1804-0.

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Chou, Ting-Kai, and Jia-Chi Cheng. "Credit ratings and excess value of diversification." Journal of Empirical Finance 19, no. 2 (2012): 266–81. http://dx.doi.org/10.1016/j.jempfin.2011.12.003.

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Christoffersen, Peter, Kris Jacobs, Xisong Jin, and Hugues Langlois. "Dynamic Dependence and Diversification in Corporate Credit*." Review of Finance 22, no. 2 (2017): 521–60. http://dx.doi.org/10.1093/rof/rfx034.

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Zamore, Stephen, Leif Atle Beisland, and Roy Mersland. "Geographic diversification and credit risk in microfinance." Journal of Banking & Finance 109 (December 2019): 105665. http://dx.doi.org/10.1016/j.jbankfin.2019.105665.

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24

Yusnita, Raja Ria. "The Influence of Financing Diversification and Financial Performance on the Risk of Islamic Commercial Banks in Indonesia." Quantitative Economics and Management Studies 5, no. 3 (2024): 515–27. http://dx.doi.org/10.35877/454ri.qems2499.

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This study aims to examine the influence of financing diversification, which includes six financing contracts of Islamic banks in Indonesia and financial performance on credit risk represented by NPF in Islamic commercial banks using regression panel data in 2018-2022. The results of this study indicate that there is an insignificant positive influence on financing diversification and financial performance partially on credit risk in Islamic banking in Indonesia. However, financing diversification and financial performance together have a significant influence on credit risk, which is currentl
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Tsegay, Kiros, Hongzhong Fan, Hailay Shifare, and Priyangani Adikari. "Does credit access matter for household livelihood diversification in Ethiopia?" International Journal of Business Ecosystem & Strategy (2687-2293) 3, no. 2 (2021): 51–61. http://dx.doi.org/10.36096/ijbes.v3i2.260.

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This study examines the effect of credit access on both agricultural and off-farm activities based on a household survey of 371 rural farmer respondents in Ethiopia.it was analyzed using a logistic regression model and statistical description. Findings demonstrated that the demographic factors; gender, age, level of education, and family size have a positive and significant effect on credit access. Agricultural credit access is impacted by each of the demographic variables as independent variables. On the other hand, the result indicated that the relationship between credit access and non-farm
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Khalatur, Svitlana, Kateryna Zhylenko, Yuliia Masiuk, Liudmyla Velychko, and Mykola Kravchenko. "Assessment of bank lending diversification in Ukraine." Banks and Bank Systems 13, no. 3 (2018): 141–50. http://dx.doi.org/10.21511/bbs.13(3).2018.14.

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At the present stage, commercial banks conduct their activities under constantly changing general economic, social and political conditions, which influence the reliability and efficiency of banking institutions performance. Nowadays, the problems of comprehensive assessment of the efficiency of main banking operations as well as the reliability of the Ukrainian banking system became relevant.The purpose of the paper is to study the current state and diversification of bank lending in Ukraine, the problems that arise in the national economy due to the deteriorating performance of the banking s
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Sutrisno, Sutrisno, Agus Widarjono, and Abdul Hakim. "The Role of Green Credit in Bank Profitability and Stability: A Case Study on Green Banking in Indonesia." Risks 12, no. 12 (2024): 198. https://doi.org/10.3390/risks12120198.

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Green credits are one of the alternative bank loans to the traditional sector. In addition, this green credit supports sustainability and environmental issues. This paper analyzes the influence of green credits on bank profits and stability in Indonesia. This study analyzed banks in Indonesia that provided green credits. Of 140 banks, only 35 banks disbursed green credits starting in 2019. Our study examined all banks providing green credit from 2019 to 2022 using annual data. The results of the study showed that green credits have a positive effect on profits, but green credits have no effect
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RUBINSTEIN, PETER, LEO M. TILMAN, and ALAN TODD. "Thoughts on Credit Risk Diversification: Comparing Credit Ratings Volatility Across Asset Classes." Journal of Risk Finance 3, no. 3 (2002): 24–35. http://dx.doi.org/10.1108/eb043492.

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Pondrinal, Muhammad, Ronni Andri Wijaya, and Thariq Al Adli. "The Effect of Operational Risk, Credit Risk And Revenue Diversification on Profitability." UPI YPTK Journal of Business and Economics 7, no. 1 (2022): 9–13. http://dx.doi.org/10.35134/jbe.v7i1.72.

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This study aims to determine the effect of Operational Risk, Credit Risk and Income Diversification on Profitability in banking companies listed on the IDX for the 2016-2020 period.The analytical method used is Panel Data Regression analysis. The results obtained from this study: i) Operational Risk has a positive and significant effect on profitability in banking companies listed on the IDX for the 2016-2020 period. ii) Credit Risk has a negative and significant effect on profitability in banking companies listed on the IDX for the 2016-2020 period. iii) Income Diversification has a negative
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Olaniyan, O. C., O. S. Akintobi, and O. B. Oyesola. "The Interplay Between Livelihood Diversification, Gender Roles, and Food Security by Rural Women Farmers in Osun State Nigeria." Acta Botanica Plantae 3, no. 3 (2024): 24–28. https://doi.org/10.51470/abp.2024.03.03.24.

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This study investigated the interplay between livelihood diversification, gender roles and food security among rural women farmers in Osun state, Nigeria. A multi-stage sampling procedure was used to select 129 respondents for this study. Data were collected through an interview schedule and analyzed using inferential statistics (PPMC and linear regression). Results revealed that most women in the study area were informally educated, within productive age, and married with a relatively large family size, which necessitated livelihood diversification to ensure food security. The women diversifi
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Dr., Adeneye Olawale Adeleke. "Economic Diverification in Nigeria: Agriculture in Perspective." INTERNATIONAL JOURNAL OF SOCIAL SCIENCE HUMANITY & MANAGEMENT RESEARCH 03, no. 10 (2024): 1342–51. https://doi.org/10.5281/zenodo.13949404.

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This study examines economic diversification: agricultural in perceptive. In particular the study examines the impact of investment in agricultural sector in achieving economic diversification between periods spanning from the years 2000 to year 2022. Time series secondary data were sourced from Central Bank Statistical Bulletin (2022) and World Bank Development Indicators (2024). Autoregressive Distributed Lag Regression Estimate (ARDL) analysis was conducted with the aid of E-view 10. Findings of this study reveals that agriculture credit guarantee scheme fund for cash crops and livestock ha
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Koju, Laxmi, Ram Koju, and Shouyang Wang. "Does Banking Management Affect Credit Risk? Evidence from the Indian Banking System." International Journal of Financial Studies 6, no. 3 (2018): 67. http://dx.doi.org/10.3390/ijfs6030067.

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This study investigated the impact of banking management on credit risk using a sample of Indian commercial banks. The study employed dynamic panel estimations to evaluate the link between banking management variables and credit risk. The empirical results show that an increase in loan portion over total assets does not necessarily increase problem loans. The findings suggest that high capital requirements and large bank size do not reduce default risk, whereas high profitability and strong income diversification policies lower the likelihood of default risk. The overall empirical results supp
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W/kidan, Atalelech, and Alula Tafesse. "Determinants of Smallholder Farmers’ Income Diversification in Sodo Zuria District, Southern Ethiopia." Advances in Agriculture 2023 (July 21, 2023): 1–9. http://dx.doi.org/10.1155/2023/6038569.

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The research aimed to estimate income diversification and investigate demographic, socioeconomic, and institutional factors that determine the smallholder farmer’s diversification of income in the Sodo Zuria district, southern Ethiopia. Cross-sectional data were collected from 353 randomly selected households. The Simpson Index of Diversity was used to summarize income diversification, and the Tobit econometric model was implemented to explore the factors affecting the income diversification of smallholder farmers. Accordingly, the mean earnings diversification among smallholder farmers was es
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Darlis, Venny, and Triana Utary. "Determinan Efisiensi Bank Umum Syariah di Indonesia dengan Profitabilitas sebagai Pemoderasi." Akuntansi dan Manajemen 17, no. 1 (2022): 20–39. http://dx.doi.org/10.30630/jam.v17i1.168.

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This paper explores the Effect of Asset Diversification, Capital Adequacy Ratio (CAR), Credit Risk, and Liquidity on the Efficiency of Islamic Commercial Banks in Indonesia with Profitability as Moderating Variable and Bank Size as Control Variable during 2014-2018 .Based on the purposive sampling method, 12 banks were selected. This study uses multiple linear regression as a method of data analysis. The results showed that asset diversification and credit risk moderated by profitability had an insignificant negative effect on efficiency. Credit risk and CAR had an insignificant positive effec
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Mmary, Zacharia Simon, Felister Michael Mombo, Greyson Zablon Nyamoga, Kendisha Soekadjo Hintz, and Lukas Giessen. "Determinants and Outcomes of Livelihood Diversification among Small-scale Tree Growers in Kilolo District, Tanzania." East African Journal of Interdisciplinary Studies 8, no. 1 (2025): 408–22. https://doi.org/10.37284/eajis.8.1.3140.

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Small-scale tree growers (SSTGs) are critical in sustainably managing forests and rural livelihoods in Tanzania. Grounded in the Sustainable Livelihood Framework, this study characterises determinants and outcomes of livelihood diversifications among SSTGs in the Kilolo District of Tanzania. Data were collected cross-sectionally using questionnaire surveys administered to 101 households, key informant interviews (KII), and focus groups. T-test analysis reveals that socio-economic characteristics significantly influence the diversification of livelihood strategies. The Herfindahl-Hirschman Inde
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Ogunwale, Olurotimi, and Isibor Areghan. "Impact of Credit Risk Management on the Performance of Nigerian Deposit Money Banks: An Analysis from 2010 to 2020." Asian Journal of Advanced Research and Reports 18, no. 10 (2024): 28–41. http://dx.doi.org/10.9734/ajarr/2024/v18i10752.

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This study examined the impact of credit risk management on the financial performance of Nigerian deposit money banks over a 10-year period from 2010 to 2020. Understanding the relationship between credit risk management and bank performance is crucial for the stability and growth of the Nigerian banking sector. The Five deposit money banks used were First Bank Plc, Zenith Bank Plc, Access Bank Plc, Guarantee Trust Bank Plc, with United Bank of Africa (UBA) Plc. Equity returns measured bank performance while credit risk was explained using non-performing credits, capital adequacy ratio, plus p
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Farfán-Pérez, Lianet, Jorge O. Moreno, and Christopher Zamudio. "Determinants of debt portfolio diversification in Mexican households." Revista Mexicana de Economía y Finanzas 20, no. 4 (2024): 1–20. https://doi.org/10.21919/remef.v20i1.893.

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This research examines the determinants of debt management in Mexican households defined by the degree of diversification of their debt portfolio. We identify and correct the potential sample selection problem related to credit access using a Heckit approach. Evidence suggests that variables such as income, wealth, and the financial burden of the household, as well as the age, education, and employment situation of the head of the family, significantly impact whether a household concentrates or diversifies its debt. The main limitation is that the data used is only available for 2019, so it is
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Consiglio, Andrea, Somayyeh Lotfi, and Stavros A. Zenios. "Portfolio diversification in the sovereign credit swap markets." Annals of Operations Research 266, no. 1-2 (2017): 5–33. http://dx.doi.org/10.1007/s10479-017-2565-5.

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Zoghlami, Faten. "Geographical Diversification Effects on Banks’ Performance: Evidence from Islamic Banks of some Selected Countries." Journal of Accounting, Business and Management (JABM) 27, no. 2 (2020): 15. http://dx.doi.org/10.31966/jabminternational.v27i2.697.

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This paper investigates the impact of geographic diversification onthe performance of Islamic banks. Using an unbalanced panel dataset of 54 Islamic banksimplemented in the GCC and Southeast Asia regions, during the 2004-2016 period,the core question is to analyze the effect of both diversification intra and beyond homecountries on Islamic banks credit risk, stability, and profitability. This research assertsthat geographical diversification within the home country seems to enhance Islamic bankstability, profitability but does not improve loan quality. More pronounced results arereported when
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Nath, Samapti, and Ram Chandra Das. "Does credit diversification drive banks’ cost of intermediation? An empirical exploration." Corporate and Business Strategy Review 4, no. 4, special issue (2023): 324–34. http://dx.doi.org/10.22495/cbsrv4i4siart13.

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The disparity between the interest rates on loans and deposits is a widely used indicator of how expensive financial intermediation is for a community. The nations which reflect lower intermediation costs have higher levels of banking penetration and financial development (Gupta et al., 2021). This research examines the impact of credit diversification strategy on cost of intermediation of the Indian commercial banks. Additionally, our study shows the moderating role of bank ownership in this nexus. The static and dynamic estimation of panel data of the banks during the period 2014 to 2020 are
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Lamichhane, Basu Dev. "Credit Portfolio Management in Nepalese Microfinance Institutions (MFIs): A Shifting Guide to Credit Risk Management." Interdisciplinary Journal of Management and Social Sciences 4, no. 1 (2023): 8–20. http://dx.doi.org/10.3126/ijmss.v4i1.54097.

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This paper attempts to provide a first step toward understanding the role of credit portfolio management in Nepalese microfinance institutions (MFIs) and overcome those problems associated with credit risk management. The credit portfolio management (CPM) has become most crucial functions of the Nepalese MFIs for sound loan portfolio quality. This study is based on descriptive research design. Several findings are made through the review of the literature that is parallel to achieving the objectives of the study. MFIs are financial intermediaries ("banks") that have a direct impact on economic
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42

Buhel, Yuliia. "Features of Managing the Credit Portfolio of Banking Institutions During Wartime." Economic Analysis, no. 34(3) (2024): 246–56. https://doi.org/10.35774/econa2024.03.246.

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The article analyzes the features of managing the credit portfolios of Ukrainian banking institutions during wartime, focusing on the impact of macroeconomic instability and rising credit risks on banks' lending activities. The study reviews key theoretical approaches to credit risk management, such as the KMV model and liquidity theory, as well as practical aspects of portfolio diversification and cluster analysis of credit portfolios. A coefficient analysis of the Ukrainian banking sector from 2015 to 2023 is conducted to assess the effectiveness of credit portfolio management during the war
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43

Mkhitaryan, A. "Impact of Geographical Diversification on Credit Risk of Microfinance Organizations in Armenia." Higher School of Economics Economic Journal 27, no. 1 (2023): 103–21. http://dx.doi.org/10.17323/1813-8691-2023-27-1-103-121.

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44

Duho, King Carl Tornam, Joseph Mensah Onumah, and Emmanuel Tetteh Asare. "Determinants and convergence of income diversification in Ghanaian banks." Journal of Research in Emerging Markets 2, no. 2 (2020): 34–47. http://dx.doi.org/10.30585/jrems.v2i2.499.

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The study explores the determinants of income diversification, as well as, test for the existence of beta-convergence and sigma-convergence among Ghanaian banks. The study utilizes a dataset of 32 banks covering the periods 2000 to 2017. The panel corrected standard error ordinary least squares, fixed effects and system generalized methods of moments have been used. Both beta-convergence and sigma-convergence exist among Ghanaian banks; suggesting the presence of the catch-up effect and similarity of strategy over time. The risk profile and risk portfolio of banks affect their diversification
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45

Tata, L. A., Abu, I. A., Garba, A., and Abdullahi, S. "FACTORS INFLUENCING LIVELIHOOD DIVERSIFICATION STRATEGIES AMONG WOMEN CROP FARMERS IN GOMBE STATE, NIGERIA." Journal of Agripreneurship and Sustainable Development 7, no. 2 (2024): 98–103. http://dx.doi.org/10.59331/jasd.v7i2.753.

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The study assessed the livelihood diversification activities among women crop farmers in Gombe State, Nigeria. A multi-stage sampling procedure was used to select 416 respondents. Data were collected using structured questionnaire and analyzed using descriptive statistics. The major sources of livelihood diversification information were peer group/co farmers and extension agent constituting 75.7% and 72.8% of the respondents, respectively. The result also show that majority (72.8%) of the respondents had access to extension agents and 35.7% were frequently visited monthly. Furthermore the resu
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Daud, Adebola Saidat, Taiwo Awoyemi, Abeeb Babatunde Omotoso, and Abiodun Olusola Omotayo. "HUMAN CAPITAL AND INCOME DIVERSIFICATION AMONG CROP FARMERS IN RURAL OYO STATE, NIGERIA." Journal of Agribusiness and Rural Development 49, no. 3 (2018): 251–60. http://dx.doi.org/10.17306/j.jard.2018.00422.

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This study focused on analyzing the effects of human capital on income diversification among crop farmers in rural Oyo State, Nigeria. The result presented was based on primary data collected from a random sample of 120 households selected from two agricultural zones of Oyo State, Nigeria. Descriptive statistics, Poisson regression and Tobit regression were employed as analytical techniques. Both the Poisson and Tobit regression methods were respectively used to examine the determinants of income diversification. The Poisson regression result showed that educational background, value of produc
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Ullah, Raza, Iqra Sarwar, Syed Muhammad Amir, Muhammad Rafay Muzamil, and Ehsan Inamullah. "Risk Tolerance and Investment Decisions among Credit Beneficiaries." Journal of Economic Impact 5, no. 3 (2023): 211–16. http://dx.doi.org/10.52223/econimpact.2023.5305.

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Risk attitude and risk perceptions are two crucial factors that could influence an individual's investment decisions. In developing countries like Pakistan, the whole society experiences different risks; however, financial risk is an essential factor affecting investors' decisions. This study used a dataset of 120 respondents collected through face-to-face interviews from two districts of Punjab province. A logit model is used to assess the impact of various socio-economic and behavioral factors on respondents' decisions to invest the borrowed money in enterprises. The findings revealed that i
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Olimova, Nodira Khamrakulovna, and Muslimbek Abdushukur ugli Numonov. "THE THEORETICAL BASIS OF CREDIT POLICY OF SMALL BUSINESS ENTITIES AND COMMERCIAL BANKS." Academic Research Journal 2, no. 2 (2023): 112–21. https://doi.org/10.5281/zenodo.7954608.

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Ensuring the level of diversification of the credit portfolio in conditions of deepening specialization of the activities of commercial banks becomes a complex issue. Because, in such conditions, the bulk of loans issued by a commercial bank will accumulate in one area or network. In the credit policy of commercial banks, credit risk management plays an important role. Currently, the assessment and management requirements developed by the Basel Committee in credit risk management are widely used in international banking practice.
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Olimova, Nodira Khamrakulovna Numonov Muslimbek Abdushukur ugli. "THE THEORETICAL BASIS OF CREDIT POLICY OF SMALL BUSINESS ENTITIES AND COMMERCIAL BANKS." CENTRAL ASIAN JOURNAL OF EDUCATION AND INNOVATION 2, no. 5 (2023): 112–18. https://doi.org/10.5281/zenodo.7973600.

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ensuring the level of diversification of the credit portfolio in conditions of deepening specialization of the activities of commercial banks becomes a complex issue. Because, in such conditions, the bulk of loans issued by a commercial bank will accumulate in one area or network. In the credit policy of commercial banks, credit risk management plays an important role. Currently, the assessment and management requirements developed by the Basel Committee in credit risk management are widely used in international banking practice.
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50

Idris-Adeniyi, Kaothar Modupe, Ahmed Oluwagbenga Busari, and Stephen Adeolu Adedokun. "Determinants of Income Diversification among Arable Crop Farmers in Osun State, Nigeria." Journal of Agricultural Extension 24, no. 2 (2020): 23–30. http://dx.doi.org/10.4314/jae.v24i2.3.

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The study examined determinants of income diversification among arable crop farmers in Osun state, Nigeria. A total of 120 arable crop farmers were proportionately selected from the three agricultural zones in the State that was used for the study. Structured interview schedule was used to elicit relevant information from respondents. Frequencies, percentages, mean and standard deviation, diversity index and Tobit regression model were employed in data analysis. The majority of the farmers had access to farm credit and mean diversity index was 0.46. Factors influencing income diversification a
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